Who sponsors AB 1278?

AB 1278 is sponsored by Harabedian, John (Democratic).

Where can I track AB 1278?

Track AB 1278 free on One Click Politics — get push/email alerts when it moves.

California 20252026 Regular Session Status: To Executive 1 D cosponsors

AB 1278 — Mortgages: hazard insurance proceeds: interest.

Last action September 30, 2026 — Chaptered by Secretary of State - Chapter 877, Statutes of 2026.

✓
Introduced
✓
In Committee
✓
Passed Assembly
✓
Passed Senate
5
To Executive
6
Enacted

This bill has been sent to the executive. Introduced February 21, 2025. It awaits signature.

Next likely step: the executive signs it into law or issues a veto.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 64% · moderate confidence

To Executive

Current position in the legislative process.
1 sponsor

1 primary, 0 co-sponsors signed on.
Single-party support

Sponsorship is currently within one party (1 D).
Cleared a recorded vote

Passed 7 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill changes how interest on hazard insurance proceeds is credited to borrowers.

This bill updates existing law by allowing interest on hazard insurance proceeds in loss draft accounts to be credited directly to borrowers or their accounts. It specifies payment methods and includes provisions for uncashed checks.

What this means for you

Workers: Workers who are homeowners may benefit from clearer regulations regarding how they receive interest on hazard insurance proceeds.

Summary

Mortgages: hazard insurance proceeds: interest.

Bill Text

Chaptered 09/30/26 - Chaptered html September 30, 2026
Enrolled 08/17/26 - Enrolled html August 17, 2026
Amended 06/22/26 - Amended Senate Current pdf June 22, 2026
Amended 01/14/26 - Amended Assembly pdf January 14, 2026
Amended 01/05/26 - Amended Assembly pdf January 05, 2026
Introduced 02/21/25 - Introduced pdf February 21, 2025
AB1278 View text html

Action History

September 30, 2026
Chaptered by Secretary of State - Chapter 877, Statutes of 2026.
September 30, 2026
Approved by the Governor.
August 20, 2026
Enrolled and presented to the Governor at 4 p.m.
August 13, 2026
Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 74. Noes 0. Page 6137.).
August 11, 2026
In Assembly. Concurrence in Senate amendments pending.
August 10, 2026
Read third time. Passed. Ordered to the Assembly. (Ayes 39. Noes 0. Page 5321.).
August 04, 2026
Read second time. Ordered to Consent Calendar.
August 03, 2026
From committee: Be ordered to second reading file pursuant to Senate Rule 28.8 and ordered to Consent Calendar.
July 01, 2026
From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 13. Noes 0.) (June 30). Re-referred to Com. on APPR.
June 22, 2026
Read second time and amended. Re-referred to Com. on JUD.
June 18, 2026
From committee: Amend, and do pass as amended and re-refer to Com. on JUD. (Ayes 7. Noes 0.) (June 17).
May 06, 2026
Referred to Coms. on B. & F.I. and JUD.
January 29, 2026
In Senate. Read first time. To Com. on RLS. for assignment.
January 29, 2026
Read third time. Passed. Ordered to the Senate. (Ayes 70. Noes 0. Page 3885.)
January 26, 2026
Read second time. Ordered to Consent Calendar.
January 22, 2026
From committee: Do pass. To Consent Calendar. (Ayes 15. Noes 0.) (January 22).
January 15, 2026
Re-referred to Com. on APPR.
January 14, 2026
Read second time and amended.
January 13, 2026
From committee: Amend, and do pass as amended and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 8. Noes 0.) (January 12).
January 06, 2026
Re-referred to Com. on B. & F.
January 05, 2026
From committee chair, with author's amendments: Amend, and re-refer to Com. on B. & F. Read second time and amended.
January 05, 2026
Referred to Com. on B. & F.
February 24, 2025
Read first time.
February 22, 2025
From printer. May be heard in committee March 24.
February 21, 2025
Introduced. To print.

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 0 co-sponsors · 121 not signed on

Sponsors (1)

Harabedian, John Democratic

Co-sponsors (0)

None.

Not signed on (121)

121 members have not signed on to this bill.

Show all 121 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

AB 1278 Harabedian Concurrence in Senate Amendments

August 13, 2026

Passed 74 Yea · 0 Nay · 5 Other

Party	Yea	Nay	Present	Not Voting
Democratic	54	0	0	5
Republican	19	0	0	0
Unaffiliated	1	0	0	0
Total	74	0	0	5
% of votes cast	94%	0%	0%	6%

How each member voted (79)

Member	Party	Vote
Ávila Farías	—	Yea
Addis, Dawn	Democratic	Yea
Aguiar-Curry, Cecilia M.	Democratic	Yea
Ahrens, Patrick	Democratic	Yea
Alvarez, David	Democratic	Not Voting
Arambula, Joaquin	Democratic	Yea
Bains, Jasmeet	Democratic	Yea
Bauer-Kahan, Rebecca	Democratic	Yea
Bennett, Steve	Democratic	Yea
Berman, Marc	Democratic	Not Voting
Boerner, Tasha	Democratic	Yea
Bonta, Mia	Democratic	Not Voting
Bryan, Isaac G.	Democratic	Yea
Calderon, Lisa	Democratic	Yea
Caloza, Jessica	Democratic	Yea
Carrillo, Juan	Democratic	Yea
Connolly, Damon	Democratic	Yea
Elhawary, Sade	Democratic	Yea
Fong, Mike	Democratic	Yea
Gabriel, Jesse	Democratic	Yea
Garcia, Robert	Democratic	Yea
Gipson, Mike A.	Democratic	Yea
González, Mark	Democratic	Yea
Haney, Matt	Democratic	Yea
Harabedian, John	Democratic	Yea
Hart, Gregg	Democratic	Yea
Irwin, Jacqui	Democratic	Yea
Jackson, Corey A.	Democratic	Yea
Kalra, Ash	Democratic	Yea
Krell, Maggy	Democratic	Yea
Lee, Alex	Democratic	Yea
Lowenthal, Josh	Democratic	Yea
McKinnor, Tina	Democratic	Yea
Muratsuchi, Al	Democratic	Yea
Nguyen, Stephanie	Democratic	Yea
Ortega, Liz	Democratic	Yea
Pacheco, Blanca	Democratic	Yea
Papan, Diane	Democratic	Yea
Patel, Darshana R.	Democratic	Yea
Pellerin, Gail	Democratic	Yea
Petrie-Norris, Cottie	Democratic	Not Voting
Quirk-Silva, Sharon	Democratic	Yea
Ramos, James C.	Democratic	Yea
Ransom, Rhodesia	Democratic	Yea
Rivas, Robert	Democratic	Yea
Rodriguez, Celeste	Democratic	Yea
Rodriguez, Michelle	Democratic	Yea
Rogers, Chris	Democratic	Yea
Rubio, Blanca E.	Democratic	Yea
Schiavo, Pilar	Democratic	Yea
Schultz, Nick	Democratic	Not Voting
Sharp-Collins, LaShae	Democratic	Yea
Solache, Jr., José Luis	Democratic	Yea
Soria, Esmeralda	Democratic	Yea
Stefani, Catherine	Democratic	Yea
Valencia, Avelino	Democratic	Yea
Ward, Christopher M.	Democratic	Yea
Wicks, Buffy	Democratic	Yea
Wilson, Lori D.	Democratic	Yea
Zbur, Rick Chavez	Democratic	Yea
Alanis, Juan	Republican	Yea
Castillo, Leticia	Republican	Yea
Chen, Phillip	Republican	Yea
Davies, Laurie	Republican	Yea
DeMaio, Carl	Republican	Yea
Dixon, Diane	Republican	Yea
Ellis, Stan	Republican	Yea
Flora, Heath	Republican	Yea
Gonzalez, Jeff	Republican	Yea
Hadwick, Heather	Republican	Yea
Hoover, Josh	Republican	Yea
Johnson, Natasha	Republican	Yea
Lackey, Tom	Republican	Yea
Macedo, Alexandra	Republican	Yea
Patterson, Joe	Republican	Yea
Sanchez, Kate	Republican	Yea
Ta, Tri	Republican	Yea
Tangipa, David J.	Republican	Yea
Wallis, Greg	Republican	Yea

Official roll call →

Consent Calendar 2nd

August 10, 2026

Passed 39 Yea · 0 Nay · 1 Other

Party	Yea	Nay	Present	Not Voting
Democratic	30	0	0	0
Republican	9	0	0	1
Total	39	0	0	1
% of votes cast	98%	0%	0%	3%

How each member voted (40)

Member	Party	Vote
Allen, Benjamin	Democratic	Yea
Archuleta, Bob	Democratic	Yea
Arreguín, Jesse	Democratic	Yea
Ashby, Angelique V.	Democratic	Yea
Becker, Josh	Democratic	Yea
Blakespear, Catherine S.	Democratic	Yea
Cabaldon, Christopher	Democratic	Yea
Caballero, Anna M.	Democratic	Yea
Cervantes, Sabrina	Democratic	Yea
Cortese, Dave	Democratic	Yea
Durazo, Maria Elena	Democratic	Yea
Gonzalez, Lena A.	Democratic	Yea
Grayson, Timothy S.	Democratic	Yea
Hurtado, Melissa	Democratic	Yea
Laird, John	Democratic	Yea
Limón, Monique	Democratic	Yea
McGuire, Mike	Democratic	Yea
McNerney, Jerry	Democratic	Yea
Menjivar, Caroline	Democratic	Yea
Padilla, Stephen C.	Democratic	Yea
Pérez, Sasha Renée	Democratic	Yea
Reyes, Eloise Gómez	Democratic	Yea
Richardson, Laura	Democratic	Yea
Rubio, Susan	Democratic	Yea
Smallwood-Cuevas, Lola	Democratic	Yea
Stern, Henry I.	Democratic	Yea
Umberg, Thomas J.	Democratic	Yea
Wahab, Aisha	Democratic	Yea
Weber Pierson, M.D., Akilah	Democratic	Yea
Wiener, Scott D.	Democratic	Yea
Alvarado-Gil, Marie	Republican	Not Voting
Choi, Steven S.	Republican	Yea
Dahle, Megan	Republican	Yea
Grove, Shannon	Republican	Yea
Jones, Brian W.	Republican	Yea
Niello, Roger W.	Republican	Yea
Ochoa Bogh, Rosilicie	Republican	Yea
Seyarto, Kelly	Republican	Yea
Strickland, Tony	Republican	Yea
Valladares, Suzette Martinez	Republican	Yea

Official roll call →

Committee vote — Committee CS53 — Committee vote

June 30, 2026

Passed 13 Yea · 0 Nay

Party	Yea	Nay	Present	Not Voting
Democratic	10	0	0	0
Republican	2	0	0	0
Unaffiliated	1	0	0	0
Total	13	0	0	0
% of votes cast	100%	0%	0%	0%

How each member voted (13)

Member	Party	Vote
Weber Pierson	—	Yea
Allen, Benjamin	Democratic	Yea
Ashby, Angelique V.	Democratic	Yea
Caballero, Anna M.	Democratic	Yea
Durazo, Maria Elena	Democratic	Yea
Laird, John	Democratic	Yea
Reyes, Eloise Gómez	Democratic	Yea
Stern, Henry I.	Democratic	Yea
Umberg, Thomas J.	Democratic	Yea
Wahab, Aisha	Democratic	Yea
Wiener, Scott D.	Democratic	Yea
Niello, Roger W.	Republican	Yea
Valladares, Suzette Martinez	Republican	Yea

Official roll call →

Do pass as amended, but first amend, and re-refer to the Committee on [Judiciary]

June 17, 2026

Passed 7 Yea · 0 Nay

Party	Yea	Nay	Present	Not Voting
Democratic	5	0	0	0
Republican	2	0	0	0
Total	7	0	0	0
% of votes cast	100%	0%	0%	0%

How each member voted (7)

Member	Party	Vote
Cervantes, Sabrina	Democratic	Yea
Grayson, Timothy S.	Democratic	Yea
Hurtado, Melissa	Democratic	Yea
Reyes, Eloise Gómez	Democratic	Yea
Richardson, Laura	Democratic	Yea
Niello, Roger W.	Republican	Yea
Strickland, Tony	Republican	Yea

Official roll call →

AB 1278 Harabedian Consent Calendar Second Day

January 29, 2026

Passed 70 Yea · 0 Nay · 10 Other

Party	Yea	Nay	Present	Not Voting
Democratic	52	0	0	7
Republican	17	0	0	3
Unaffiliated	1	0	0	0
Total	70	0	0	10
% of votes cast	88%	0%	0%	13%

How each member voted (80)

Member	Party	Vote
Ávila Farías	—	Yea
Addis, Dawn	Democratic	Yea
Aguiar-Curry, Cecilia M.	Democratic	Yea
Ahrens, Patrick	Democratic	Yea
Alvarez, David	Democratic	Yea
Arambula, Joaquin	Democratic	Not Voting
Bains, Jasmeet	Democratic	Yea
Bauer-Kahan, Rebecca	Democratic	Not Voting
Bennett, Steve	Democratic	Yea
Berman, Marc	Democratic	Yea
Boerner, Tasha	Democratic	Yea
Bonta, Mia	Democratic	Yea
Bryan, Isaac G.	Democratic	Yea
Calderon, Lisa	Democratic	Yea
Caloza, Jessica	Democratic	Yea
Carrillo, Juan	Democratic	Yea
Connolly, Damon	Democratic	Yea
Elhawary, Sade	Democratic	Yea
Fong, Mike	Democratic	Yea
Gabriel, Jesse	Democratic	Yea
Garcia, Robert	Democratic	Yea
Gipson, Mike A.	Democratic	Not Voting
González, Mark	Democratic	Yea
Haney, Matt	Democratic	Yea
Harabedian, John	Democratic	Yea
Hart, Gregg	Democratic	Yea
Irwin, Jacqui	Democratic	Yea
Jackson, Corey A.	Democratic	Yea
Kalra, Ash	Democratic	Yea
Krell, Maggy	Democratic	Yea
Lee, Alex	Democratic	Not Voting
Lowenthal, Josh	Democratic	Yea
McKinnor, Tina	Democratic	Yea
Muratsuchi, Al	Democratic	Yea
Nguyen, Stephanie	Democratic	Yea
Ortega, Liz	Democratic	Yea
Pacheco, Blanca	Democratic	Yea
Papan, Diane	Democratic	Yea
Patel, Darshana R.	Democratic	Yea
Pellerin, Gail	Democratic	Yea
Petrie-Norris, Cottie	Democratic	Yea
Quirk-Silva, Sharon	Democratic	Yea
Ramos, James C.	Democratic	Yea
Ransom, Rhodesia	Democratic	Not Voting
Rivas, Robert	Democratic	Yea
Rodriguez, Celeste	Democratic	Not Voting
Rodriguez, Michelle	Democratic	Yea
Rogers, Chris	Democratic	Yea
Rubio, Blanca E.	Democratic	Yea
Schiavo, Pilar	Democratic	Yea
Schultz, Nick	Democratic	Yea
Sharp-Collins, LaShae	Democratic	Yea
Solache, Jr., José Luis	Democratic	Yea
Soria, Esmeralda	Democratic	Yea
Stefani, Catherine	Democratic	Yea
Valencia, Avelino	Democratic	Not Voting
Ward, Christopher M.	Democratic	Yea
Wicks, Buffy	Democratic	Yea
Wilson, Lori D.	Democratic	Yea
Zbur, Rick Chavez	Democratic	Yea
Alanis, Juan	Republican	Yea
Castillo, Leticia	Republican	Yea
Chen, Phillip	Republican	Not Voting
Davies, Laurie	Republican	Yea
DeMaio, Carl	Republican	Yea
Dixon, Diane	Republican	Yea
Ellis, Stan	Republican	Not Voting
Flora, Heath	Republican	Not Voting
Gallagher, James	Republican	Yea
Gonzalez, Jeff	Republican	Yea
Hadwick, Heather	Republican	Yea
Hoover, Josh	Republican	Yea
Johnson, Natasha	Republican	Yea
Lackey, Tom	Republican	Yea
Macedo, Alexandra	Republican	Yea
Patterson, Joe	Republican	Yea
Sanchez, Kate	Republican	Yea
Ta, Tri	Republican	Yea
Tangipa, David J.	Republican	Yea
Wallis, Greg	Republican	Yea

Official roll call →

Do pass. To Consent Calendar.

January 22, 2026

Passed 15 Yea · 0 Nay

Party	Yea	Nay	Present	Not Voting
Republican	4	0	0	0
Democratic	11	0	0	0
Total	15	0	0	0
% of votes cast	100%	0%	0%	0%

How each member voted (15)

Member	Party	Vote
Bauer-Kahan, Rebecca	Democratic	Yea
Calderon, Lisa	Democratic	Yea
Caloza, Jessica	Democratic	Yea
Fong, Mike	Democratic	Yea
González, Mark	Democratic	Yea
Krell, Maggy	Democratic	Yea
Pacheco, Blanca	Democratic	Yea
Pellerin, Gail	Democratic	Yea
Solache, Jr., José Luis	Democratic	Yea
Stefani, Catherine	Democratic	Yea
Wicks, Buffy	Democratic	Yea
Dixon, Diane	Republican	Yea
Hoover, Josh	Republican	Yea
Ta, Tri	Republican	Yea
Tangipa, David J.	Republican	Yea

Official roll call →

Do pass as amended, and be re-referred to the Committee on [Appropriations] with recommendation: To Consent Calendar

January 12, 2026

Passed 8 Yea · 0 Nay · 1 Other

Party	Yea	Nay	Present	Not Voting
Democratic	7	0	0	0
Republican	1	0	0	1
Total	8	0	0	1
% of votes cast	89%	0%	0%	11%

How each member voted (9)

Member	Party	Vote
Fong, Mike	Democratic	Yea
Krell, Maggy	Democratic	Yea
Rodriguez, Michelle	Democratic	Yea
Rubio, Blanca E.	Democratic	Yea
Schiavo, Pilar	Democratic	Yea
Soria, Esmeralda	Democratic	Yea
Valencia, Avelino	Democratic	Yea
Chen, Phillip	Republican	Not Voting
Dixon, Diane	Republican	Yea

Official roll call →

Subjects

public-safety finance housing

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Frequently asked questions

What does AB 1278 do?: Mortgages: hazard insurance proceeds: interest.
Who sponsors AB 1278?: AB 1278 is sponsored by Harabedian, John (Democratic).
What is the current status of AB 1278?: This bill has been sent to the executive. Introduced February 21, 2025. It awaits signature.
Where can I track AB 1278?: Track AB 1278 free on One Click Politics — get push/email alerts when it moves.

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At a glance

Identifier: AB 1278
Jurisdiction: California
Session: 20252026 Regular Session
Type: Bill
Introduced: February 21, 2025
Status: To Executive
Prime sponsor: Harabedian, John

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